Home Insurance in Wahkiakum County, Washington
The median home value in Wahkiakum County is $396,800, 30% lower than the Washington median.
The typical home in Wahkiakum County was built around 1978. About 33% of homes were built before 1960, about 12 points above Washington's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Wahkiakum County is 81% single-family homes, 1% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wahkiakum County, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wahkiakum County has an owner-occupancy rate of 83% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Wahkiakum County, 73% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Wahkiakum County's top hazards are earthquake (Relatively Low), coastal flooding (Relatively Moderate) and inland flooding (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Wahkiakum County has 119 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $396,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Coastal Flooding (Relatively Moderate), Inland Flooding (Very Low) |
| Active NFIP flood policies (county) | 119 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)